Cost of Car Insurance For Boys Higher Than Girls

The cost of car insurance is more expensive for boys than girls due to statistics on the driving habits and risk taking activities of boys and girls. Whether you are a teen or a parent of a teen, you will soon be dealing with the very real scenario of teenage motorists.

Responsible parents have an obligation to place a call to the car insurance company. You might be blown away by the price to insure your son versus what you paid to insure your daughters. Learn why there is such a discrepancy and what you can do to manage that cost.

Be sure to use the FREE tool on this page to compare car insurance rates online from many different companies to find the very cheapest insurance. All you have to do to get started is just enter your ZIP code above!

How Insurance Companies Figure Premiums

The first thing you have to understand about insurance is that prices and quotes are mostly based on statistics. Your gender, your age, even your location are used to create a profile which has a direct effect on premium rates. Teenage boys fall into a high-risk profile automatically and are usually stuck with higher rates than are girls.

One of the theories for the rate difference is that teenagers of the male side of the species tend to be full of testosterone at this young age, and can be much more aggressive while driving or perhaps just more eager to impress their friends, and thus tend to drive with less caution.

Why is car insurance more expensive for males?

A higher percentage of males under 25 are arrested for DUIs, have more accidents, engage in reckless driving and don’t wear their seatbelts when compared to females under the age of 25. Statistically speaking teenage boys are simply higher risks for the insurance company than are their same age female counterparts. The insurance company sees the statistics. Therefore, the risk goes up and the price goes up. Now you understand why car insurance is more expensive for young males than females.

Once a male hits the age of 25 the statistics for reckless driving drop, as they are by now more experience drivers with much more time behind the wheel, hopefully a dose of maturity in regards to decision making, and thus the rate decrease. Of course, this does not help when you are a young teen boy with the need for freedom and your own set of wheels. “It just isn’t fair, my son is a responsible young adult!”, you might think. Or if you’re a teen, you might be thinking, “That’s just not fair!” We should be judged by our individual performances, right? Revolution, people!

What Can You Do for a Better Price?

Unfortunately, statistic-based reason overpowers individual freedom—at least for a while. Unless you want your son to hitch a ride on the bus for the rest of his young days, you have to learn how to deal with insurance companies and play the statistics game. If you are a young man disgruntled by high insurance rates, then try to understand that car insurance companies aren’t the “bad guys.”

Insurance companies are just a business and all businesses need to make a profit if they are to survive the long-term. Without car insurance, naturally, there is no protection, and thus it becomes the Wild, Wild West when it comes to damaging one another’s property.

Your goal should be to find ways to lower the cost for yourself.

If you are a teen boy, then strive to drive with caution every time you go out. If you are a parent then encourage your teen to abide by all traffic regulations and suggestions (particularly in the area of defensive driving, a threat to many teenagers who are only observing their own car’s movements).

Shop Around

One of the best ways to be sure you are getting a good rate is to shop around. With the prevalence of the Internet today, getting multiple free car insurance quotes is now a snap. If you have gotten the rate quotes and still don’t like the numbers you are seeing there are a few ways to lower your own, or your teenage son’s, premiums.

Ask for Discounts

Ask about discounts. That is right, an insurance company might not come right out and tell you all the ways to save, but something as simple as asking about a discount might make those totals a little smaller. Many companies are now offering premium discounts for good grades.

Boys with higher grade point averages are statistically more responsible drivers, and that can lower their rates. Stay awake in math class, kids. It pays off!

Ultimately, a young person starts out driving under his parents’ insurance policy. Still, he can pay his fair share by contributing towards a combined family coverage or “multi-policy.” This means that instead of creating his own insurance profile for his own car, he joins the policy already in progress by your parents.

Will Your Premiums Ever Decrease?

Although younger teen boys are likely to object to driving the old man’s car, this saves a bundle on car insurance. A teen boy (of legal age) can drive a car under his own policy name, but must expect to pay a much higher monthly premium. A teen driver might also consider making his first car a sensible older model vehicle.

What’s that young man? You would rather be caught dead than driving around in an old Toyota Corolla? Your style is probably a BMW sports car, right? Flashy sports cars and testosterone pumped teen boys make insurance companies edgy. Earn the right with a great driving record first.

The good news is that since a child has a good clean driving record, the rates are likely to decrease when it is time to renew his insurance policy.

Once some time has passed and the rates are steadily reducing, and the teen accumulates more driving experience, then it might be time to trade up to a “cooler” car.

Later on, a young man (probably over the age of 25 by now) may even find it economic to change to a single policy instead of adding a car onto the family policy. Driver’s education courses may also help lower rates, as well as having safety devices like an anti-theft alarm system, and anti-lock brakes installed on the car.

Why not use a car insurance rate quote tool right now and find a policy that is affordable for your family and a teenage son or just you or your teenage daughter or – well you get the idea, right? Enter your ZIP code below to start saving money now!